VENTURA

Your journey begins

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Congratulations, you’ve arrived!

Your elevated CIBC Aventura® Visa Infinite Privilege* Card redefines the travel rewards experience—combining exceptional benefits with fast rewards accumulation and personalized, authentic travel experiences. You now belong to an elite group of CIBC cardholders who have access to exceptional benefits including:

• An annual $200 travel credit to use at the CIBCRewards Centre1

• Lounge access with Priority Pass™ membership and6 complimentary visits annually2

• Access to redeem your Aventura® Points for Business Classseats on any airline3,4

• Full rebate for up to 2 NEXUS◊ fees every 4 years5

• Access to an Aventura Travel Assistant who can bookpersonalized travel for you and your family6

• Mobile Device Insurance for accidental damage or loss7

• A wide range of hotel benefits8, travel insurances7 and more

This card is your VIP passport to a truly exceptional, personalized experience at home and around the world.

To unlock your rewards and benefits, there are two simple steps:

1. Complete the registration at cibcrewards.com/registration

2. Register with Visa Infinite Privilege at visainfinite.ca/privilege

We hope you enjoy your new world of premium travel experiences!

David Attard

VP, Cards Product Strategy and Benefits

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Your quick reference guide:

1. Activate your card: Activate your card through CIBC Online Banking® or CIBC Mobile Banking® or by calling CIBC at 1 800 465-4653 (Canada and the U.S.) or 514 861-4653 (from elsewhere).

2. Register to unlock the world of CIBC Rewards: Go to cibcrewards.com/registration to create a CIBC Rewards profile for a world of wonderfully rewarding travel experiences, merchandise, gift cards, and exclusive offers and promotions. (Pg 5)

3. Register to get your Visa Infinite Privilege benefits: Go to visainfinite.ca/privilege to create a Visa Infinite Privilege profile for your CIBC Aventura Visa Infinite Privilege Card and view the collection of unique dining, travel and lifestyle benefits including Priority Pass lounge access. (Pg 7)

4. Register for CIBC Online Banking and download the CIBC Mobile Banking App to help stay on top of your spending. Also, set up your mobile wallet for easier ways to pay. (Pg 16)

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Table of contents

Earn faster, travel sooner ........................................................................................................ 1

Flexible travel ............................................................................................................................ 2

Enhance your travel with exceptional benefits ................................................................. 7

Insurance protection that travels well .............................................................................. 10

Bank your way ..........................................................................................................................13

Manage your spending ..........................................................................................................16

Manage My Card ....................................................................................................................16

Important contact information ............................................................................................17

Terms and conditions ............................................................................................................19

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Earn faster, travel sooner

Earn more points on a wider variety of everyday purchases.

• 2 points per $1 spent on eligible Dining and Entertainment9

• 2 points per $1 spent on eligible Transportation, Gas and Groceries9

• 3 points for every $1 on travel purchased through the CIBC Rewards Centre10

• 1.25 points for every $1 on all other purchases11

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Your Aventura Points don’t expire, so they’re available when you’re ready to travel.3

For more information on Aventura Points, please visit cibcrewards.com.

Order additional cards: You can receive up to 9 additional cards. Give them to your spouse, other family members, or anyone else you wish, to help maximize your opportunities to earn Aventura Points. There is a $99 annual fee per additional card.

Flexible travel

When it comes to redeeming your Aventura Points for air travel, you have the option of choosing from hundreds of airlines. Plus, you’ll enjoy the flexibility and value offered by our online booking tools, which make choosing the perfect flight even easier.

What’s more, there are no blackout periods or restrictions, and your points never expire.3 With short-haul flights starting as low as 10,000 Aventura Points,4 you could be taking off sooner than you think.

You’ll also gain exclusive access to the Aventura Business Class Airline Rewards Chart, which offers great value on business class bookings.12

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Aventura Airline Rewards Chart

Round-trip Aventura flight destinations Aventura Points to redeem:

One (1) economy class ticket One (1) business class ticket

Canada and U.S. (Short-Haul) Travelling within a province, territory or U.S. state or to an adjoining province, territory or U.S. state.

10,000–20,000 Maximum ticket price $400‡

40,000 Maximum ticket price $1,000‡

Canada and U.S. (Long-Haul) Originating from any location in Canada/U.S. to any location in Canada or the U.S., except Hawaii and Alaska.

25,000–35,000 Maximum ticket price $800‡

70,000 Maximum ticket price $1,750‡

Mexico, Alaska, Hawaii, Central America, Caribbean Originating from any location in Canada/U.S. to Mexico, Hawaii, Alaska, Bermuda, Central America or the Caribbean.

40,000–60,000 Maximum ticket price $1,000‡

80,000 Maximum ticket price $2,000‡

Europe Originating from a major gateway in Canada/U.S. to select destinations in Europe.

50,000–70,000 Maximum ticket price $1,300‡

150,000 Maximum ticket price $3,000‡

Rest of the World Originating from a major gateway in Canada/U.S. to select destinations in Africa, Asia, Australia, New Zealand, South Pacific, the Middle East and South America.

75,000–125,000 Maximum ticket price $2,000‡

250,000 Maximum ticket price $5,000‡

‡ Important Note: Chart applies to round-trip economy flights or business class flights booked through the CIBC Rewards Centre at 1 888-317-7728 or cibcrewards.com. The exact number of Aventura Points required to purchase a flight depends on ticket prices set by airlines. You must have at least 80% of the points required to obtain your desired flight (up to 20% of the points required can be purchased). The maximum ticket price for each class (before taxes and other charges) applies for each destination; any excess cost over the maximum ticket price, plus taxes and other charges, must either be charged to your card or paid for with Aventura Points. Tickets are non-refundable. All taxes, fees and maximum ticket prices are in Canadian currency. Chart may be changed without notice at any time. For complete details, see Aventura Rewards Program Terms at cibcrewards.com.

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Personalized travel You can redeem your Aventura Points to create unique and personalized holiday experiences quickly and easily. With Aventura Flexible Travel, you can book flights, tours, hotels, vacation packages, activities and virtually anything else through the CIBC Rewards Centre. From a night at a downtown hotel to an exotic trip across the globe—the choice is yours!

Merchandise, gift cards and more Whether you want to reward yourself with a new gadget, a shopping spree at your favourite store, or participate in an exciting experience available to you through Aventura Lifestyle Rewards,13 redeeming your Aventura Points is the answer.

Visit cibcrewards.com or call the CIBC Rewards Centre at 1 888 317-7728 to view all of our exciting Aventura Rewards.

Shopping with Points Redeem your points to pay off eligible pending Aventura credit card transactions.14

Pay with Points Use your CIBC Aventura Points to make payments towards your CIBC Aventura Visa Infinite Privilege Card balance.15

Financial products with Points Reach your most important financial goals faster by using your CIBC Aventura Points to make payments or contributions towards the following CIBC financial products:15

Make a Residential Mortgage Prepayment16

Make a contribution to a CIBC Tax Advantage Savings Account (TFSA)17

Make a contribution to a CIBC Daily Interest Savings Account (RRSP)17

Make a payment towards a CIBC Personal Line of Credit (PLC)18

Make an additional payment towards a CIBC Personal Loan18

Make a deposit or contribution to your Self-Directed CIBC Investor’s Edge brokerage account19

Redeeming is easy. You’ll be able to select from your existing products on CIBC Online Banking and CIBC Mobile Banking.

To learn more about redemption, visit cibcrewards.com or call the CIBC Rewards Centre at 1 888 317-7728. To call from international destinations, see page 17.

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CIBC Rewards Centre

The CIBC Rewards Centre is a full-service travel agency that can build almost any type of travel experience or lifestyle reward package. You’ll receive exceptional service from the Aventura Travel Assistants when planning and customizing your package.6

• You can purchase your travel package by redeeming your Aventura Points, using your CIBC Aventura Visa Infinite Privilege Card, or both!

• Simply redeem the number of Aventura Points you want and pay for the rest with your CIBC Aventura Visa Infinite Privilege Card.

Visit cibcrewards.com or call the CIBC Rewards Centre at 1 888 317-7728.

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Enhance your travel with exceptional benefits

Indulge with an annual $200 travel credit1

Once every calendar year, you will be eligible for one annual $200 travel credit when you book travel through the CIBC Rewards Centre at 1 888 317-7728.

Unwind before your flight with Priority PassTM,20

Six loung e visits at 1,300+ airport lounges around the globe per enrolled cardholder2,8 with your Priority Pass

Membership compliments of CIBC. Complimentary lounge visits can be used for you and your travel companions, regardless of air carrier or class of travel.

You and any secondary cardholders may each enroll for this benefit separately. Enroll for the Global Airport Lounge Access benefit by visiting visainfinite.ca/privilege. Upon enrollment, you and any secondary cardholders will each receive a Priority Pass Welcome Kit containing your membership card.

Ease border crossings with NEXUS5

Some great news for frequent travellers to the U.S.— receive a rebate for up to 2 NEXUS application fees

once every 4 years. NEXUS is designed to speed up border crossings for low-risk, pre-approved travellers into Canada and the United States (U.S.).

The Visa Infinite Privilege Concierge at your convenience8,20

Twenty-four hours a day, 7 days a week, from virtually anywhere in the world, you have access to the Visa Infinite Privilege Concierge. Now, you can get the most out of every day whenever you travel, shop and use your card. Consider the Concierge your own personal assistant, able to offer expert insights and helpful advice on everything from travel bookings and tickets to restaurant recommendations and much more.

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Exclusive access to visainfinite.ca/privilege8,20

Your Visa Infinite Privilege card gives you access to the following benefits:

• Global Airport Lounge Access Program with Priority Pass

• Visa Infinite Luxury Hotel Collection

• Visa Infinite Dining Series

• Visa Infinite Wine Country Program

• Airport Benefits & Services—Toronto, Montreal, Vancouver & Ottawa

• Visa Infinite Privilege Concierge

• Access to Troon Privé Golf Courses & Troon Rewards Status

• Exclusive Limited-Time Offers

Visit visainfinite.ca/privilege to learn more and to enroll for Priority Pass. Be sure to subscribe for Visa Infinite Privilege emails, to be amongst the first to be notified of new offers and events.

Once you have set up your Visa Infinite Privilege profile at visainfinite.ca/privilege, you can send a request by email to requests@VisaVIPConcierge.ca. Call the Visa Infinite Privilege Concierge toll-free at 1 855 822-1240 (from Canada & U.S.) or call collect at 303 967-1036 (from outside Canada & U.S.).

Save on gas with CIBC and Journie Rewards

Link and use your eligible CIBC card with Journie Rewards to automatically save up to 10 cents per litre21 at participating Chevron, Ultramar and Pioneer gas stations22. Visit cibc.com/journie to get started.

Save on car rentals

Receive car rental discounts of up to 25% at participating Avis® and Budget® locations worldwide when you pay with your CIBC Aventura Visa Infinite Privilege Card.23

To access these discounts: Call Avis Worldwide Reservations at 1 800 879-2847 and quote Avis Worldwide Discount (AWD) # C277500, or call Budget Reservations at 1 800 268-8900 and quote Budget Corporate Discount (BCD) # A748700.

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Insurance protection that travels well

Relax with insurance coverages that not only help protect you when travelling, but also the items you purchase, whether home or abroad.

Your CIBC Aventura Visa Infinite Privilege Card comes with a range of insurance benefits to help you and your family.

The information provided in this section is intended as general information only. Please refer to the enclosed CIBC Aventura Visa Infinite Privilege Certificate of Insurance for the specific terms of your coverage, including the benefits, eligibility conditions, limitations, and exclusions.

For emergency assistance, claims, or pre-trip information, call 1 855 845-0999 if you are in Canada or the United States (U.S.). From anywhere else in the world, call collect at 905 412-1102.

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INSURANCE WHAT IS COVERED EXCESS INSURANCE+

Out-of-Province Emergency Travel Medical7

Provides coverage up to a maximum of $5 million for eligible emergency travel medical expenses incurred by an insured person under age 65 while travelling outside your Canadian province or territory of residence for the first 31 days of a trip, or the first 10 days of a trip if the insured person is age 65 or over. You don’t even have to charge your trip to the card.

You must call Global Excel Management Inc. prior to receiving treatment otherwise your claim may not be covered. A pre-existing medical condition exclusion applies to medical conditions and/or symptoms that existed prior to your trip. Refer to your Certificate of Insurance for details.

Yes

Trip Cancellation / Trip Interruption7

Provides reimbursement of eligible prepaid travel arrangements charged to your CIBC Aventura Visa Infinite Privilege Card before your departure date in the event of cancellation, interruption or delay of your trip for a covered reason. You can be covered for eligible trip cancellation expenses up to $2,500 per insured person, per trip, up to a maximum of $10,000 for all insured persons combined. You can be covered for eligible trip interruption/trip delay expenses up to $5,000 per insured person, per trip, up to a maximum of $25,000 for all insured persons combined. You must call Global Excel Management Inc., the claims and assistance provider, on the day the cause of cancellation, interruption or delay of trip occurs or on the next business day. A pre-existing medical condition exclusion applies to medical conditions and/or symptoms that existed prior to the date of purchase of your travel arrangements. Refer to your Certificate of Insurance for details.

Yes

Flight Delay & Baggage7

Charge your scheduled flight to your CIBC Aventura Visa Infinite Privilege Card and receive coverage of up to $500 per insured person (maximum of $1,000) combined for reasonable living expenses such as meals and accommodations, up to a maximum of $100 for ground transportation and up to a maximum of $100 for entertainment expenses when your flight is delayed for more than four (4) hours. Your insurance also includes up to $500 per insured person (maximum $1,000 for all insured persons combined) for emergency purchases of necessary clothing and toiletries when your baggage on your outbound trip is delayed more than six (6) hours. Purchases may be made during a baggage delay period, but must be made within four (4) days of occurrence. Plus, your insurance includes up to $1,000 per insured person (maximum $2,500 for all insured persons combined) for loss or damage of your checked baggage. Refer to your Certificate of Insurance for details.

Yes

Car Rental Collision / Loss Damage7

When you charge the full cost of your car rental to your CIBC Aventura Visa Infinite Privilege Card and decline the rental agency’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW), you can be covered for theft, loss and damage of a rental car, up to the actual cash value, provided the value of the rental car, in its model year, does not exceed the Manufacturer’s Suggested Retail Price (MSRP) of $85,000 and is not otherwise excluded from coverage. Terms and conditions apply, including specific conditions that apply to who may rent and drive the rental car, the length of rental and the type of vehicle covered. Refer to your Certificate of Insurance for details.

No

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INSURANCE WHAT IS COVERED EXCESS INSURANCE+

Common Carrier Accident Insurance7

Provides coverage up to $500,000 per insured person in the event that loss of life or certain accidental bodily injuries result from a covered accident when travelling on a common carrier and the full fare has been charged to your CIBC Aventura Visa Infinite Privilege Card. Refer to your Certificate of Insurance for details.

No

Purchase Security & Extended Protection7

Most new items of personal property you purchase with your CIBC Aventura Visa Infinite Privilege Card, anywhere in the world, may be replaced, repaired, or you may be reimbursed if they are lost, stolen or damaged within 180 days of purchase. Plus, with Extended Protection Insurance, you can extend the period of a manufacturer’s original warranty up to two (2) years on eligible purchases. Refer to your Certificate of Insurance for details.

Yes

Hotel Burglary Insurance7

Charge the full cost of your accommodation to your CIBC Aventura Visa Infinite Privilege Card, and while you are registered as a guest, if you suffer loss or damage due to burglary in your room, you may be reimbursed for the damage or loss of your personal items (excluding cash) to a maximum of $2,500 per occurrence for all insured persons combined. Refer to your Certificate of Insurance for details.

Yes

Mobile Device Insurance7

Repair or replacement coverage up to $1,500 per occurrence, per insured person, for your personal mobile device in the event of loss, theft or accidental damage for up to two (2) years following purchase. The full cost of the cell phone, smartphone or tablet (or all or any portion of the cost, if financed through a Canadian wireless service provider) must be charged to your CIBC Aventura Visa Infinite Privilege Card. Refer to your Certificate of Insurance for details.

Yes

Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). For information, or to make a claim under any of the insurance coverages listed above, please visit cibccentre.rsagroup.ca or call toll-free 1 855 845-0999 (from Canada and continental U.S., including Hawaii). From all other locations, including Mexico, call collect 905 412-1102. + Excess insurances mean all other sources of recovery, indemnity or insurance coverage must be exhausted before these insurances pay any benefits to you.

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Bank your way

Help manage your money with ease

No over-limit fee when you spend over your credit limit: With the CIBC Aventura Visa Infinite Privilege Card, you have more purchasing power when you need.24

The amount you may be able to spend over your credit limit varies according to several factors, and is payable in full on your payment due date.

Instant cash advances: You have instant access to up to $1,000 daily in cash advances, subject to your available credit and your available cash.25 Access it at any CIBC Automated Teller Machine (ATM), or any of the nearly one million bank machines displaying the Visa, Interac® or Plus* System symbols. All you need is your card and your PIN.26

Emergency card replacement and up to $5,000 in emergency cash advances: If you’re travelling and your card is lost or stolen, or if you suspect someone is using your card or card number, contact CIBC at 1 800 663-4575 as soon as possible.

You will have access to an emergency replacement card and up to $5,000 in emergency cash advances.25

CIBC Global Money Transfer™

Send money abroad with the CIBC Global Money Transfer service.27 There are no transaction fees and you won’t incur interest charges as long as you pay your Balance by the payment due date.28

Use your mobile device, sign on to CIBC Online Banking on your computer or visit a CIBC Banking Centre to send money at competitive exchange rates. It’s easy and secure, and the money will arrive in as little as one business day.27

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Manage your spending

CIBC Pace It™ Installment Plans29

When you choose to make a big purchase—whether it’s a planned renovation or vacation, or something unexpected like an appliance breakdown—you can use CIBC Pace It. Pace your payments with Installment Plans at lower interest rates on eligible card purchases over a fixed term. Some restrictions apply. Visit cibc.com/PaceIt to learn more.

CIBC Insights

Use the Insights feature in the CIBC Mobile Banking App to get tailored tips based on your credit card and deposit account activity to help you manage your day-to-day spending.

Manage My Card

CIBC offers a number of features to manage your credit card digitally. Simply sign in to CIBC Online or Mobile Banking to get started. CIBC offers on-the-go banking 24/7 with our award-winning CIBC Mobile Banking App for iPhone®, iPad®

and Android™. Set up your mobile wallet for even more convenient ways to pay, with the same rewards, security and protections as your physical cards.

Activate card

Just received your card and ready to use it? Easily activate a new or replacement credit card online at any time.

Lock and unlock card

Misplacing your credit card is stressful. With the Lock and Unlock feature, you can instantly lock your credit card with a few quick taps and unlock it with ease when you find it.

Replace lost, stolen or damaged card

If your card is lost, stolen or damaged, you can request a replacement card digitally in a few simple steps.

Credit card transaction alerts

Receive alerts in real time whenever a transaction occurs on your card, or specify a dollar threshold over which to be notified.

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Important contact information

CIBC Credit Card Services CIBC cibc.com CIBC Rewards cibcrewards.com Ways to pay cibc.com/waystopay In Canada and the U.S. 1 800 465-4653 Elsewhere‡ 514 861-4653

Telecommunications Device for the Deaf (TDD) (in North America) 1 877 331-3338

CIBC Lost or Stolen Card Replacement Submit a request on CIBC Online or Mobile Banking or call: In Canada and the U.S. 1 800 663-4575 Elsewhere 514 861-9898

Visa Infinite Privilege Concierge requests@VisaVIPConcierge.ca In Canada and the U.S. 1 855 822-1240 Elsewhere‡ 303 967-1036

Visa Lost or Stolen Card Replacement and Emergency Assistance (Available Outside of Canada) In the U.S. 1 800 VISA-911 Elsewhere‡ 303 967-1096 CIBC Rewards Centre and Aventura Travel Assistant In Canada and the U.S. 1 888 317-7728 Elsewhere‡ 905 696-4942

CIBC Travel Insurance Assistance In Canada and the U.S. 1 855 845-0999 Elsewhere‡ 905 412-1102

Optional CIBC Travel Insurance Anywhere in North America 1 800 898-0392 Elsewhere‡ 416 340-8187

Car Rental Avis Worldwide Reservations 1 800 879-2847 Budget Reservations 1 800 268-8900

‡ These numbers can be called collect.

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Aventura terms and conditions Please go to cibcrewards.com/terms for the current Aventura Program terms and conditions that apply to you.

Notes, trademarks and disclaimers 1 The $200 annual Travel Credit can be used in a single transaction towards flight, hotel, car rental and vacation package bookings made using your Aventura card. If the value of your booking is less than $200, you forfeit the balance of your Travel Credit for the calendar year. The $200 Travel Credit can be used towards a travel booking charged to your Aventura card or can be used in conjunction with any travel rewards purchase or redemption of Aventura Points. Only the primary cardholder or a delegate can use the Travel Credit. You must call the CIBC Rewards Centre at 1 888 317-7728 to apply the Travel Credit; the Travel Credit cannot be applied or used for online bookings. Unused credit will be forfeited at the end of the calendar year. The $200 Travel Credit will be reinstated, annually, on January 1st of each calendar year. Your account must be in good standing at the time of booking to take advantage of the Travel Credit. 2 Global Airport Lounge Access – Priority Pass™: Benefit requires enrollment through the Visa Infinite Privilege Website or Visa Infinite Privilege Concierge. Six (6) lounge visits are complimentary per membership year for the enrolled cardholder to use for themselves or for their guests. Membership includes access to any airport lounge participating in the Priority Pass™ lounge access program. To access a lounge, you must show a valid Priority Pass membership card. All additional visits beyond the complimentary visits are subject to a fee of $32 US per person per visit (rate is subject to change). Applicable lounge access charges will be billed to your CIBC Aventura Visa Infinite Privilege Card connected to your Priority Pass membership. Priority Pass membership will be cancelled if your Visa Infinite Privilege card is cancelled, or is no longer linked to your Priority Pass membership. Unless cancelled, Priority Pass membership automatically renews on its anniversary date. To view a full list of participating airport lounges, their facilities, opening times and restrictions cardholders can visit prioritypass.com. If you enroll, you are subject to terms and conditions for the Global Airport Lounge membership program and the individual lounge operators’ terms of use for the participating lounges visited, available at prioritypass.com. The Airport Lounge Access services are provided by Priority Pass and neither Visa nor CIBC is responsible for any claims or damages arising from use of the services. Visa reserves the right to modify or cancel this offer at any time and without notice. 3 For full details, see maximum ticket prices and Aventura Flight Rewards Chart at the CIBC Rewards Centre. Some airlines may impose fees, restrictions or other conditions on air travel. Aventura Points will be cancelled if they remain unredeemed for 60 days after

you voluntarily close your Aventura credit card account or within 12 months of the primary cardholder’s death. 4 Flight availability at this Aventura Point level depends on ticket prices set by airlines. Flights at this Aventura Point level will not be available to all destinations from all departure points and times. 5 Cardholders may receive two (2) statement credits up to a maximum value of CAD$100 each when the NEXUS application fee is charged to an eligible Card, regardless of whether they are approved for NEXUS.

Limit two (2) statement credits per every 4 years. You must use your Card to complete the NEXUS application and pay the application fee with your card. In order to be eligible for the statement credit, cardholders must be in good standing at the time the application fee is charged. CIBC has no control over the program including, but not limited to, application approval process, enrollment, or fees charged. NEXUS eligibility requirements are determined by Canada Border Service Agency (CBSA) and the U.S. Customs and Border Protection (US CBP), and can be found at https://www.cbsa-asfc.gc.ca/prog/nexus/term-eng.html. 6 The Aventura Travel Assistant is operated by an independent travel service agency, Merit Travel Group Inc. Registration Numbers: ON.50010422/4499356, BC.34799, QC. 703011. 7 Insurance coverage(s) included with CIBC credit cards are underwritten by Royal & Sun Alliance Insurance Company of Canada (RSA). You may contact RSA at 1 855 845-0999 in Canada and the U.S. or collect from elsewhere at 905 412-1102 or visit cibccentre.rsagroup.ca. To learn about important information regarding coverage eligibility requirements, benefits, limitations and exclusions, see cibc.com/ca/credit-card/agreements-insurance.html and the insurance certificate(s) in your card package. Some insurance coverage(s) require purchase(s), car rentals, common carrier fares, accommodations and other trip costs to be charged to the card to activate coverage. Other conditions may also apply. Car Rental Collision/Loss Damage Insurance (CLDI) is available for car rentals of up to 48 days for rental car with a MSRP Manufacturer’s Suggested Retail Price of up to $85,000. The full cost of the rental must be charged to the card and the rental agency’s Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) must be declined. CLDI provides coverage up to the actual cash value (ACV) of the rental car as defined in your insurance certificate. Note that some rental agencies may assess their damages at an amount greater than the ACV of the rental car and you may be liable to

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them for the difference. Before declining the rental agency’s CDW or LDW, you should read carefully and compare the terms of the rental agreement, the CLDI insurance certificate in your card package and any other insurance you own to decide which coverage best meets your protection needs. Out-of-Province Emergency Travel Medical Insurance (TMI) may not cover medical procedures performed without pre-approval. TMI, Trip Cancellation and Trip Interruption Insurance may not cover certain pre-existing health/medical conditions. 8 You must have a valid CIBC Aventura Visa Infinite Privilege Card in good standing to take advantage of the Visa Infinite Privilege benefits and services. Discounts and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Visa reserves the right to modify or cancel offers at any time and without notice. Neither Visa nor CIBC is responsible for any claims or damages arising from use of any benefits or services provided by a third party. All offers, benefits and services are subject to complete terms and conditions, including third party suppliers’ terms and conditions (available at visainfinite.ca/privilege/en/terms.html). The Visa Infinite Privilege privacy notice (available at visa.ca/en_CA/legal/global-privacy-notice.html) applies to all benefits and services that require enrollment through, or are otherwise provided by, the Visa Infinite Privilege website or the Visa Infinite Privilege Concierge. The collection, use and disclosure of your personal information by third party suppliers of services and benefits are subject to such third parties’ own privacy policies. 9 Earn 2 Aventura Points per dollar charged to the card on purchases (excluding returns) at merchants classified in the Visa network as (i) grocery stores and supermarkets, eating places and restaurants, drinking places and fast food restaurants, (ii) gas service stations and automated fuel dispensers, local and suburban commuter transportation in Canada including subway, streetcar, taxi, limousine and ride sharing services (excludes merchants that may be classified as travel services or travel bookings such as air transport, car rentals and cruises), (iii) entertainment including motion picture theatres, theatrical producers, ticket agencies, bands, orchestras, miscellaneous entertainers. This bonus Aventura Points offer is only available on the first $200,000 in net annual card purchases on your account (meaning all card purchases by all cardholders, at any type of merchant); after that, net annual card purchases at grocery, gas, transportation, dining and entertainment merchants will earn Aventura Points at the regular rate. The $200,000 limit will reset to zero after the day your December statement is printed. Terms, conditions and eligible merchant categories may change without notice. 10 Earn 3 Aventura Points per dollar charged to the card on CIBC Rewards Centre travel purchases other than taxes, insurance, service charges or similar items. Aventura Points are not earned on travel obtained by redeeming Aventura Points. 11 Aventura Points are earned on card purchases less returns, and not on cash advances, CIBC Global Money Transfers, interest, fees, balance transfers, payments, CIBC Convenience Cheques or Aventura Points redemptions. Aventura Rewards and Program

Terms may change without notice. Taxes, fees and surcharges may apply to Rewards. Aventura Points earned on card purchases during a monthly statement period may not be credited to you if your card is not in good standing at any time during the monthly statement period. 12 To obtain an Airline Travel Reward, you must redeem at least 80% of the total number of Aventura Points required to purchase it. If you don’t have enough Aventura Points to purchase an Airline Travel Reward in full, you may make a Top Up Purchase of Aventura Points for up to 20% of the total Aventura Points required for the flight excluding Taxes and Other Charges. The Top Up Purchase will be charged to your Card and does not earn Aventura Points. Top Up Purchases cannot be refunded or reversed. 13 CIBC Aventura Lifestyle Rewards include taxes. Any additional fees will be confirmed when a reward is redeemed. Due to the unique nature of Aventura Lifestyle Rewards, availability of space and/or dates may be limited. 14 Requested redemption amount must be equal to or less than the cardholder’s available Aventura Points balance. Aventura Points to dollars conversion ratio is determined by CIBC and can be changed at any time without notice. Shopping with Points redemptions are non-refundable, non-exchangeable and non-transferable unless you are advised otherwise. Only primary cardholders are permitted to perform a Shopping with Points redemption. Authorized Users and Delegates are not eligible. Shopping with Points redemptions are eligible only for authorized transactions that are not posted to the card account. The redemption of your Aventura Points will be treated as a payment to your account and not as a credit. Refer to the Consumer Cardholder Agreement to learn how payments are applied to your account. 15 Only primary cardholders are permitted to perform a “Payment with Points” or “Financial Product with Points” redemption. Authorized Users and Delegates are not eligible. Redemptions are non-refundable, non-exchangeable and non-transferable unless you are advised otherwise. Requested redemption amount must be equal to or less than the cardholder’s available points balance. Points to dollars conversion ratio is determined by CIBC and can be changed at any time without notice. Payment with Points redemption towards credit cards balances will be reflected within two (2) business days. Using points towards outstanding principal and CIBC financial products, including registered savings accounts and Investor’s Edge accounts, can be found at https://www.cibc.com/en/ personal-banking/ways-to-bank/ways-to-pay/payment-with-points.html. 16 Points can only be used to prepay outstanding principal. The prepayment cannot exceed the amount of your annual prepayment privilege. You can find this amount in your mortgage documents, or in Mortgage Loan-Details in the My Accounts section of CIBC Online Banking. A prepayment can only be made on a regular mortgage payment date. You must submit this request at least 5 business days before the regular payment date on which you want the prepayment applied. The prepayment will be visible through online

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banking within 5 business days after the regular payment date on which it is applied. 17 Eligible registered savings accounts for contributions from Aventura point redemptions are: RRSP Daily Interest Savings Account (DISA) and TFSA Tax Advantage Savings Account (TASA). Cardholder is responsible for ensuring their contribution amount does not exceed their CRA issued contribution limit. Points redemption contributions must be from the cardholder’s existing Aventura product to their DISA or TASA. Posting of Aventura point redemption contributions to DISAs or TASAs can take up to 3 business days. 18 Redemptions can only be applied towards existing personal lending accounts. Eligible personal lending products must have a balance owing. Posting of Aventura point based payments to the cardholder’s personal lending account will be visible through online banking within 5 business days from the processing date. 19 The following Investor’s Edge accounts are eligible for Financial Products with Points: Registered Accounts (RRSP, RRIF, TFSA, RESP) and Investment Accounts (Cash, Margin, Options). Financial product rewards transferred to a Registered Account will be applied as a cash contribution by the cardholder. The cardholder is responsible for ensuring the amount does not exceed any contribution limit applicable to the Registered Account. Cardholders can contact CIBC Investor’s Edge at 1 800 567-3343 in order to apply a Financial Product Reward into their existing CIBC Investor’s Edge account, or to open a CIBC Investor’s Edge account and then arrange for the financial product reward. Posting of cash credit to the Cardholder’s CIBC Investor’s Edge account can take upwards of 4 business days. Cash credit received in connection with a financial product reward can be used to purchase any available investment product (including stocks, mutual funds, GICs, precious metals, etc.). 20 The goods and services you request or obtain through the Visa Infinite Privilege Concierge are provided by various third-party service providers unrelated to Visa. Neither Visa nor CIBC endorses, reviews, qualifies, makes any representations or warranties (either express or implied) about, or assumes responsibility or liability for these service providers or the goods and services obtained. Neither Visa nor CIBC can guarantee the successful fulfillment of your requests in all instances. There is no fee for the Visa Infinite Privilege Concierge’s services; however, you are responsible for the cost of any goods or services (including any related fees or costs) authorized by you and purchased by the Visa Infinite Privilege Concierge on your behalf. All costs will be charged directly to your CIBC Aventura Visa Infinite Privilege Card. 21 You will save three cents ($0.03) per litre at the time of your purchase if you present your Journie Rewards card or app and use your linked CIBC card to pay. Available at participating locations on any grade of gasoline or diesel up to 100 litres per transaction. To get the discount, you must be enrolled in and use CIBC Online Banking or the CIBC Mobile Banking App to link your eligible CIBC card(s) to Journie Rewards. Card linking may take

up to two (2) business days. To participate in this offer, you must have a CIBC debit card or personal credit card issued by CIBC. All Simplii cards are excluded. Please see cibc.com/ journie

for full program terms and conditions.

Once your Journie Rewards account has reached three hundred (300) Journie Points, you will automatically save an additional seven cents ($0.07) per litre on your next fuel purchase transaction made within 30 days, up to a maximum of 100 litres. Once you pass 300 points, your balance will reset and start counting toward 300 points and your next seven cents ($0.07) fuel discount. See journie.ca for more details. 22 Participating locations include select retail Chevron, Pioneer or Ultramar branded gas stations in Canada. For a full list of participating stations, visit journie.ca/destinations. 23 Discounts are determined by the participating rental agency and apply to time and kilometer/mileage charges or base rates only. 24 Additional purchasing power over your limit does not mean unlimited spending and is itself subject to a limit. The amount of your additional purchasing power over your credit limit is determined based on an assessment of various factors including your payment history and spending patterns. You must repay any amount over your credit limit by your card payment due date. 25 Cash advances do not earn Aventura Points. They bear interest from the date they are taken from your credit card account and are subject to available credit and available cash. 26 All cardholders (primary and authorized users) on the account will receive a PIN. 27 CIBC foreign exchange rates apply. Only primary cardholders can use their eligible credit card account to pay for CIBC Global Money Transfer service. Most CIBC Global Money Transfers are completed within 1-3 business days. 28 CIBC does not charge interest on Global Money Transfers appearing on your statement if we receive full payment of the Amount Due (or for Global Money Transfers that have been converted to an Installment Plan during that statement period, if we receive payment in full of the Balance) by the payment due date for that statement. Capitalized terms in this footnote have the meanings set out in the CIBC Cardholder Agreement. 29 CIBC Pace It Installment Plans allow eligible cardholders to convert eligible card transaction(s) to monthly installment payments (including interest) over a fixed period of time. When you create an Installment Plan you will have the ability to choose the payment term (in months) with a corresponding annual interest rate. Once you accept the Installment Plan Terms and Conditions and the Installment Plan is created, you can cancel it at any time but you cannot change it. CIBC Pace It Installment Plans are only available: (a) on Accounts in good standing; and (b) for certain eligible Accounts and eligible Transactions. For complete Terms and Conditions, visit cibc.com/PaceIt.

All information is valid at the time of printing and is subject to change without notice.

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* Trademark of Visa Int., used under license. The Contactless Indicator is a trademark of EMVCo, LLC. iPhone®, iPad® and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Android™ is a trademark of Google, Inc. Interac® is a registered trademark of Interac Corp. Used under license. ™ All of Journie Rewards trademarks are owned by Parkland Corporation. ™ All of Pioneer’s trademarks are owned by Parkland Corporation. ™ Ultramar is a registered trademark of Valero Energy Inc., used under license.

CHEVRON is a registered trademark of Chevron Intellectual Property LLC, used under license. ™ Priority Pass is a trademark of Priority Pass Ltd. ◊ Official mark and/or trademark of Her Majesty the Queen in Right of Canada, used under license. Avis is a registered trademark licensed to Aviscar, Inc. for use in Canada. Budget is a registered trademark licensed to Budgetcar Inc. for use in Canada. The CIBC logo is a trademark of CIBC. All other trademarks are owned by CIBC or their respective owners.

BG-22A-AVPV-ENG Aventura Privilege Reference Guide (English)

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